High-Deductible Medigap Plan G
Get comprehensive Plan G coverage with significantly lower monthly premiums in exchange for meeting an annual deductible.
How High-Deductible Plan G Works
High-Deductible Plan G is identical to standard Plan G in terms of coverage, but with one key difference:
Before Meeting the Deductible ($2,870 in 2025):
- You pay 100% of Medicare-approved costs out-of-pocket
- This includes Part A and Part B deductibles, coinsurance, and copayments
- Your spending counts toward the $2,870 deductible
After Meeting the Deductible:
- Plan G benefits kick in for the rest of the calendar year
- Covers Part A coinsurance and hospital costs
- Covers Part B copays and coinsurance (100%)
- Covers Part B excess charges
- Covers foreign travel emergency care
Note: The deductible resets every January 1st.
Medicare.gov: Medigap CostsPremium Comparison
High-Deductible Plan G
Lower monthly cost, higher deductible
Typical Monthly Premium
$45 - $75
Annual Premium (estimated)
$540 - $900
Annual Deductible
$2,870
Maximum Annual Cost (Premium + Deductible)
~$3,410 - $3,770
Standard Plan G
Higher monthly cost, minimal out-of-pocket
Typical Monthly Premium
$150 - $200
Annual Premium (estimated)
$1,800 - $2,400
Out-of-Pocket per Year
Part B deductible only ($240)
Typical Annual Cost
~$2,040 - $2,640
When High-Deductible Plan G Makes Sense
✓ Good Fit If You:
✓ Are generally healthy with minimal healthcare needs
✓ Have savings set aside for unexpected medical costs
✓ Want to minimize monthly expenses
✓ Can comfortably afford to pay up to $2,870 in a given year
✓ Prefer predictable maximum out-of-pocket costs
✓ Don't visit the doctor frequently
✗ Not Ideal If You:
✗ Have ongoing medical conditions requiring regular care
✗ Take multiple prescriptions or see specialists frequently
✗ Cannot afford a $2,870 unexpected expense
✗ Prefer minimal out-of-pocket costs at each visit
✗ Are on a fixed income with no emergency fund
✗ Expect significant healthcare expenses in the coming year
Real-World Cost Scenarios
Scenario 1: Minimal Healthcare Use
Annual medical costs under $1,000
High-Deductible Plan G
Premium: $720/year
Out-of-pocket: $800
Total: $1,520
Standard Plan G
Premium: $2,100/year
Out-of-pocket: $240 (Part B ded.)
Total: $2,340
Scenario 2: Moderate Healthcare Use
Medical costs reach the $2,870 deductible
High-Deductible Plan G
Premium: $720/year
Out-of-pocket: $2,870
Total: $3,590
Standard Plan G
Premium: $2,100/year
Out-of-pocket: $240
Total: $2,340
Scenario 3: High Healthcare Use
Significant medical expenses beyond deductible
High-Deductible Plan G
Premium: $720/year
Out-of-pocket: $2,870 (max)
Total: $3,590
Standard Plan G
Premium: $2,100/year
Out-of-pocket: $240
Total: $2,340
Once you meet the deductible, both plans offer identical coverage for the rest of the year. However, standard Plan G would have saved you money overall.
Key Considerations
Deductible Increases Annually
The High-Deductible Plan G deductible is adjusted each year based on Medicare trends. It was $2,800 in 2024 and $2,870 in 2025.
Guaranteed Issue Rights Apply
You can enroll in High-Deductible Plan G during your Medigap Open Enrollment Period or if you have guaranteed issue rights, just like standard Plan G.
Not the Same as High-Deductible Plan F
High-Deductible Plan F (closed to new enrollees after January 1, 2020) has a similar structure but different deductible amounts. If you're newly eligible for Medicare, only High-Deductible Plan G is available.